Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Comm re (43%), home mtgs (17%), securities (9%), home eq lns (3%), cash (2%), comm loans (2%), other (24%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
American Community Bancorp, Inc.
Investment Rating
--
Address
300 Glen Street
Glen Cove, NY 11542
Glen Cove, NY 11542
Phone Number
(516) 609-2900
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.